We can help you find a plan that includes Carolinas HealthCare System doctors and hospitals.

If you’re picking a 2016 health insurance plan, choose a plan that includes Carolinas HealthCare System doctors and hospitals in its network. Why? Choosing us helps you keep your out-of-pocket costs down when you get care from us – and it gives you access to world-class care.

That care includes specialized experts at Levine Cancer Institute, Levine Children's Hospital and Sanger Heart & Vascular Institute. We also offer urgent care, Virtual Visit and the region's largest primary care network of more than 200 locations.

We're here to help you. Learn more about your options below.

North Carolina - Individual Health Insurance Plans

The health insurance plans below are offered on the Individual Health Insurance Marketplace in Metro Charlotte* for coverage in 2016.

The health insurance plans below are offered on the Individual Health Insurance Marketplace in Lancaster and York counties in South Carolina for coverage in 2016.

FAQs and Helpful Info

I’m hearing a lot of confusing health insurance terms. What do they mean?

Here are the meanings of some common health insurance terms:

Open Enrollment – The period of time that qualified individuals can enroll in a health insurance plan or switch to a new plan.

Individual Health Insurance Marketplace – The Individual Health Insurance Marketplace, often called the “Marketplace” or “Exchange,” is a resource for individuals and families to shop for and enroll in a health insurance plan. It also provides information on programs that can help people pay for coverage.

Out-of-pocket costs – Your total expenses for medical care that are not paid by your health insurance plan.

Network – A group of doctors and hospitals that participate in a health insurance plan. Typically, you pay lower out-of-pocket costs if you go to doctors and hospitals that belong to your health insurance plan's network.

Metro Charlotte (NC and SC) includes the following counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Stanly and Union in North Carolina; Lancaster and York in South Carolina.

Why do I need health insurance?

Most people in the US must have health coverage or pay a fee (also known as a fine or penalty). Learn more.

Having health insurance and choosing a primary care doctor are the best ways to keep you and your family healthy.

Why does it matter which doctors and hospitals are part of my plan?

Not all health insurance plans include the doctors and hospitals you may want to get care from, so it's important to choose a plan that gives you access to the doctors and hospitals you prefer.

Choosing Carolinas HealthCare System gives you access to world-class care. We offer:

To help keep your out-of-pocket costs down when you get care from us, choose a health insurance plan that includes Carolinas HealthCare System in its network.

How do I buy a health insurance plan on the Marketplace?

The sign-up period to buy a 2016 health insurance plan on the Individual Health Insurance Marketplace has ended. But, you may qualify for a Special Enrollment Period, which allows you to sign up for a 2016 plan if you have certain life events like getting married, having a baby, or losing other coverage.